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Applying for a credit card - question on credit report
I am due to move into my new flat in a few months. Due to this i am going to be making a lot of purchases so i was looking to get a cashback credit card. However, the problem lies in the fact that I still live with my parents just now and because of this I don't have a credit rating (no loans, or debt in the slightest -…
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debt and the older generation
Hi. Whilst I accept that credit card companies are a business and simply there to make money I thought I would let other people know about an apparant growing problem with credit card companies and their lending policies. I have 2 elderly relatives who sought my help in sorting out some debt problems. They have both been…
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Cards charging FOREX fees?
I spend a lot of money on credit cards. i.e. around £100k per month. Some of this spend is in US Dollars. I have recently noticed on my Morgan Stanley statement that they charge me a forex commission for all transactions in US Dollars. It's all adding up to quite a bit. Are Morgan Stanley unique in this? I've never seen…
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MBNA Cheques
I have BT'd some cash to an MBNA account as I am about to purchase some new windows but the company do not have a way of taking card payments, if i pay with the mbna cheque do I still receive the protection from the credit card company?
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Helping my parents get out of debt - transfer help needed!
Hi all, This is my first message so i'll try to be as clear as possible. Here is my situation. I am trying to help my parents out of some of their debt, i don't know exactly how much they are in debt but i have seen enough to be worried so i am trying to use my good credit rating to help them out (as they seem to only be…
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how do I access the credit??
Hi I have just been approved for an egg card with a limit of 3500. I need to access this money to purchase a car (private sale so need the cash). The only way I can think of is to take the money from my current account overdraft and transfer the balance over Problem is I would need to do this more than once. would egg…
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egg money questions for debt free newbie
Hi everyone, I'm in the exciting position of having cleared off my penultimate credit card. The remaining one is one I use throughout each month for business expenses groceries and whatnot, and have for the past 3-4 months been clearing it every month. The penultimate one is the only debt I have left - no loans, etc. I'm…
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Barclaycard Simplicity card 6.8% APR
Hello, I hope someone out there can give me some advice on this card. I am looking at taking out a loan for some essential home improvements over the next couple of years. Since I will be spending the money gradually over 2 years, would spending on this card work out cheaper than taking out a lump sum flexible unsecured…
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Cancelling a card I never received?!?!
Hi all, Finally in a position to sort out my finances after far too long being an irresponsible student - yippee! Currently my credit record is on the horizon, and having procured a copy of my records about 6 months back, I noticed they have a record of my having a card I applied for in about mid-2002 (I remember applying…
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Marks and Spencer &More credit card balance transfer woes
In December I applied for an M&S &More credit card in order to take advantage of their life-of-balance low interest balance transfer offer. The card (but not my PIN) arrived at the beginning of January and I completed the paperwork to arrange my balance transfer. After a week or so, I phoned up to check whether a PIN had…
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What to do with unused credit cards?
Hi, Currently I use two credit cards: one for all my spending which I pay off in full each month (GE Money) and one for when I go abroad (Nationwide). I also have an Egg card that I haven't used in about two years and also a Platinum Barclaycard that hasn't been used in over a year. Any other credit cards that I've had…
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Morgan Stanley now has annual fee
Hi everyone, I have had a morgan stanley platinum card for over 2 years and and had a note with my statement that from the first on June that they will introduce a £20 annual fee. This is not good!!!! What is the next best card with VISA or matercard as I already have a AMEX?? Martin you should notify people in your nect…
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Transferring a Personal Loan onto Credit Card(s)
Hello I have a personal loan with Natwest of approximately £8,000 to be paid over four years with interest ofapproximately £1,700. I have read about interest free balance transfers and cards that hold a low interest for the life of the transfer and I wanted some advice on which type to go with and what company.…
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EGG-Can I do this..?
Just wondering if this is possible.. Basically I'm expecting a big hike in rates on my Egg card soon as it seems they're informing their customers recently according to several threads on this board. At the moment I have 2k outstanding on my card.If I apply for a flexible loan from them,which would be around 7 or 8%,have…
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easy Credit card question????
Hi, if i have a balance of £400 on a cc, is it possible to do a BT of a larger abount and end up in credit, dont know if this is allowed by cc companies. Also would the same apply to a current account. The companies in question are Barclays (Transfering bal to) Egg and halifax to receive the amount.
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0% purchases, min repayments amount, which easiest to get, can they take away 0%?
Thinking of using a 0% purchases card as a form of loan until mid septmeber. Will probably put up to £5000 on the card. Which is the easiest to get having a £10,000+ spread on other cards (4), on a income of £30k. No late payments defaults etc to give a bad record. How much will my minimum repayments be? Is there a…
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2012??
Hi, From my "put your head in the sand" student days I made a mess of a couple of accounts - A Tricity Finance Loan and an Orange Contract. I moved during both contacts but failed to notify them, meaning bills came through, but I didn't have them, so ddn't pay! Silly and stupid I know! :embarasse Then I closed an old…
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How to chargeback on visa-debit card
Someone I know purchased something from France on a Visa Debit card, not sure if it is also a delta card (is delta relevant?). It did not arrive after 3 months. Also not sure if purchase was direct or through paypal. I realise that if it was paypal, then the bank/visa may refuse to chargeback. But **assuming it was a…
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Egg Money BT to Current Account
Hi I'm doing a Egg Money BT to my current account. I go to 'Egg Money Admin' and when I get to 'Transfer a Balance to a Current Account' I enter the relevant details and click submit. I then reach a confirmation page showing that it is transferring TO Egg Money card and transferring from my current account. Does anyone get…
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Egg Money Cashback Gambling Sites
Do you get cashback for making deposits on gambling sites?